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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $98,940 | $72,177+37.1% | $115,038-14.0% | $59,633+65.9% |
| Participation rate | 57.8% | 72.6%-14.8pp | 81.4%-23.6pp | 68.7%-10.9pp |
| Annual return | 0.72% | 12.02%-11.3pp | 26.14%-25.4pp | 2041.45%-2040.7pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $6,486 | $4,783+35.6% | $6,026+7.6% | $3,192+103.2% |
| Admin fee / account holder | $1,341 | $4,927-72.8% | $8,175-83.6% | $4,297-68.8% |